$395,900
7528 Bent Tree Loop
St Cloud, FL 34773
Listing updated: June 19, 2026 at 9:51 AM ET
Listing courtesy of Adams Homes Realty, Inc. · Nestor Villacampa · MLS #O6372876 · Active · 407-523-1030Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Own More Home for Less | PRICE DROP | Estimated Payments from $2,750 This brand-new 3-bedroom, 2 full-bath home offers the opportunity to secure with monthly payments from $2,750 making homeownership both attainable and timely. Designed with comfort and functionality in mind, the home features 10-foot ceilings throughout, creating a bright and open atmosphere. Enjoy the extra privacy that nature brings you in your new home admiring the conservation area behind your property, The thoughtfully planned layout provides a seamless flow between living spaces, ideal for both everyday living and entertaining. The spacious primary suite serves as a private retreat, highlighted by vaulted ceilings and peaceful conservation views that give privacy and a tranquil natural backdrop. The kitchen is the heart of the home, featuring a centered island perfect for preparing meals for breakfast, lunch, dinner, or any special occasion. A separate formal dining room adds flexibility and can easily be used as a home office or flex space. Secondary and Third bedrooms are generously sized, providing comfort and privacy for family members or guests. Additional features include a 1-year builder warranty and a 10-year structural warranty for added peace of mind. Located in the desirable Harmony Central community, residents enjoy NO CDD fees, a low HOA, and a relaxed Florida lifestyle. Closing cost incentives may be available with the preferred lender, and the home can be secured with as little as a $1,000 deposit. A unique combination of new construction, attractive financing, and serene surroundings—opportunities like this are limited.
Local Insight
At $222/sqft for new construction in a master-planned community with resort amenities and a championship golf course, this is competitively priced, but the 0.14-acre lot is tight—you're paying for the Harmony lifestyle and amenities rather than land or privacy. The location on US-192 means easy access to wider Osceola County, but you'll want to drive it during your target commute times, since this isn't a walkable community despite the "active adult" positioning. As a 2026 build, verify what's actually included in that price (lot, finishes, HOA caps) and whether you're genuinely interested in the golf culture and managed-community lifestyle, since the $76/month HOA is just the floor—Harmony communities often have additional assessments.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history158 days on market
- Status: ActiveJan 12, 2026
- Listed$387,900Jan 12, 2026
- Price increased$395,900
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 158
- Subdivision
- Harmony Central Ph 2
- County
- Osceola
- Year built
- 2026
- Living area
- 1,780 sq ft
- Price/sq ft
- $222
- Building area
- 2,122 sq ft (Builder)
- Lot size
- 6,098 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X500 (12097C0295G)
- Garage
- 2 spaces
- Annual taxes
- $831 (2025)
- Parcel #
- 32-26-32-3666-000O-0040
- Zoning
- X500
- MLS #
- O6372876
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Carpet, Tile
- Appliances
- Dishwasher, Microwave, Range
- Interior features
- Ceiling Fans(s), Stone Counters, Thermostat
- Laundry
- Laundry Room
- Stories / Levels
- One
- Direction faces
- East
- New construction
- Yes
Heating & Cooling
- Heating
- Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $908 / Annually
- Monthly HOA
- $76/mo
- Total monthly fees
- $76/mo
- Total annual fees
- $908
- HOA name
- Beth Connor
- CDD
- No
- Min lease term
- 7 Months
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Exterior features
- Sidewalk
- Construction materials
- Block
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Electricity Connected, Water Connected
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | |
| Primary Bedroom | First | |
| Bedroom 2 | First | |
| Bedroom 3 | First | |
| Living Room | First |
Listing Details
- Listing date
- 2026-01-10
- On market date
- 2026-01-12
- Original list price
- $387,900
- Occupant type
- Vacant
- MLS area
- 34773 - St Cloud (Harmony)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-01-12
- Tax legal description
- HARMONY CENTRAL PH 2 PB 35 PGS 139-144 BLK O LOT 4
Flood risk
Moderate-risk area (0.2% annual-chance / “500-year” floodplain). Flood insurance is recommended but usually not required.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From Narcoossee Rd take 192 East for 8 miles towards Melbourne, continue past Harmony High-school and Harmony Main, Harmony Central will be located on your left.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of June 19, 2026 at 9:51 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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